Fintech firms are hitting some of the same problems as the finance-industry giants. OnDeck stock dropped a staggering 20% today after it said its revenue would come in at $320m to $328m for 2016, about 5% lower than analyst's estimates of $340m-----like Lending Club, the stock has lost over half of its market capitalization since its IPO over a year ago. The company has been struggling to accelerate loan growth and it being forced to hold a greater % of loans on-balance sheet.